The Farmers Bank of Milton: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 91.8% in Q2 2026, from $5.7M to $466K. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Farmers Bank of Milton is 64th of 120 on loan-to-deposit ratio, 81.70% as of Q2 2026, below the middle of the field. At 81.70%, The Farmers Bank of Milton's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.6M |
| Fed funds sold and reverse repos | $466K |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $21.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.70% |
| Net loans and leases to deposits | 81.03% |
| Loans and leases to core deposits | 95.10% |
| Core deposits to total deposits | 81.96% |
| Brokered deposits to total deposits | 3.95% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 80.77% | 93.58% | $153K | $32.5M |
| Q4 2023 | 80.93% | 93.31% | $0 | $31.5M |
| Q1 2024 | 79.73% | 90.88% | $0 | $27.0M |
| Q2 2024 | 81.18% | 90.71% | $23K | $27.0M |
| Q3 2024 | 79.42% | 87.57% | $0 | $21.5M |
| Q4 2024 | 80.06% | 80.55% | $0 | $21.5M |
| Q1 2025 | 80.99% | 87.51% | $0 | $27.5M |
| Q2 2025 | 82.27% | 85.60% | $14K | $27.5M |
| Q3 2025 | 82.42% | 83.53% | $0 | $26.5M |
| Q4 2025 | 83.18% | 82.66% | $77K | $27.5M |
| Q1 2026 | 82.57% | 82.71% | $0 | $27.5M |
| Q2 2026 | 81.70% | 81.96% | $0 | $21.5M |
The Farmers Bank of Milton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Milton, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers Bank of Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12163) · FFIEC NIC profile (RSSD 265340)